Motor Trade Insurance
Motor trade insurance broker for UK businesses
Road risk, premises and combined cover for dealers, garages, recovery operators and vehicle movement companies, arranged by a team whose roots are in motor claims.
Who we arrange cover for
Vehicle Movement & Delivery
Car and Van Dealers
Garages
Vehicle Recovery
Bodyshops
Valeting & PDI Centres
Whole of market access
Motor claims expertise in-house
Kettering Head Office, UK Coverage
Cover built around how you trade
Motor trade insurance covers you to drive, store and work on vehicles that belong to your business or your customers. You can insure the driving alone with road risk cover, or bring vehicles, premises, stock and liability together on one combined policy.
We look at what you buy, sell, repair or move, where vehicles are kept and who drives them, then match that to insurers who understand your part of the trade.
Road Risk
Driving trade and customer vehicles
Trade plate use
Test drives and deliveries
Named or open driving options
Combined cover adds
Vehicles and stock on premises
Customer vehicles in your care
Building, tools & equipment
Employers' and public liability
Business interruption
What insurers look at in the motor trade
01.
Type of trade
Sales, repairs, recovery or movement each carry different risks and suit different insurers
02.
Claims History
What happened, why and what you have changed to stop it happening again
03.
Drivers
Who drives, their age and experience, and how you check licences
04.
Vehicle values
The most valuable vehicle you drive or hold, and the total value on site
05.
Premises and keys
Site security, where vehicles are kept overnight and how keys are controlled.
06.
Turnover and growth
The size of your business today and where it is heading over the policy year
How we place your motor trade cover
01.
Understand your trade
We meet you to understand how your business runs day to day, not just what is on last years' schedule
02.
Build your presentation
We set out your operations, controls and claims context in the way underwriters want to see them
03.
Negotiate price and terms
We negotiate on premium, cover and payment terms, with your current insurer or new ones
04.
Stay with you all year
Mid-term changes, claims support and early preparation for your next renewal
Ready to get started?
CASE STUDY
From £400,000 to £230,000 with interest-free instalments
A large UK vehicle movement company
40%+
lower annual premium
0%
interest on instalments
The problem: The business was paying more than £400,000 a year for its insurance, and had to pay the full premium up front at every renewal, tying up a large amount of cash.
What we did: Over several meetings we got to know how the business really operates, then rebuilt its market presentation from the ground up to show underwriters the full picture.
The Outcome: The same underwriter agreed to cover the business for £230,000, with the premium spread across interest-free instalments arranged directly with the insurer.
Client anonymised at their request. Results depend on each business's circumstances
The 8 things insurers look at when pricing your fleet
Simple changes that reduce claims
How telematics impacts premiums
Warehouse safety measures insurers reward
Strategies to negotiate better renewals
What is motor trade insurance?
Motor trade insurance covers businesses that buy, sell, repair, recover or move vehicles. It lets you drive vehicles you do not own, such as customer cars or stock, and can also cover your premises, tools and liability.
What is the difference between road risk and combined cover?
Road risk covers driving vehicles on the road. Combined cover adds protection for your premises, stock, customer vehicles in your care, tools and liability. Businesses with a site usually need combined cover; those working from the road may only need road risk.
Are customer vehicles covered whilst they are with us?
They can be. Customer vehicles on your premises are usually covered under a combined policy, and driving them for road tests or deliveries is covered under road risk. We check the limits match the values you handle.
Can young or newly qualified drivers be covered?
Often, yes, though insurers may set age limits or higher excesses. Tell us who drives for you and we will find insurers whose terms fit your team.
Can we spread the cost of the premium?
Usually. We offer multiple instalment options, and on larger accounts we can sometimes negotiate payment terms directly with the underwriter, as we did in the case study above.
Do you only cover businesses in Northamptonshire?
No. Our head office is in Kettering, but we arrange motor trade insurance for businesses across the UK.
Paying too much for your motor trade cover?
Tell us when your renewal is due and we will start early
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